Budget Dashboard 2026

One spreadsheet. Income, expenses, net worth, debt payoff, savings goals. You'll set it up in about ten minutes and it'll run your finances for a year.

Most budget apps cost you £10 to £15 a month and give you a dashboard you can't change. This one is Google Sheets and Excel, and it's yours for £7.99 once. No subscription, no data harvesting, no "premium" tier upsell.

What you get

Monthly tracking with 14 spending categories you can rename to match your life. Income, expenses, and the gap in one view.

A 50/30/20 split (Needs, Wants, Savings) auto-calculated from your entries. When you overspend, the top three categories that blew the budget flag up at the top of the sheet.

Net worth tracker. Assets minus liabilities with a 12-month trendline so you can see whether you're actually building wealth or just breaking even.

Debt payoff calculator. Snowball vs avalanche side by side, so you can pick the method that matches your psychology without doing the maths yourself.

Savings goal tracking with progress bars and projected completion dates. Put in the target, put in the monthly contribution, see when you hit it.

Couples mode with proportional income splitting, so the person earning more pays more without arguments about "fair."

Sinking funds tracker for irregular expenses (insurance, Christmas, car tax) so nothing ambushes you.

Mobile-friendly layout. Check it on your phone between coffees.

Editions

US edition (dollars) and UK edition (pounds, with HMRC-aligned categories for self-employed users). Both included.

Three file variants: Standard (blank and ready to use), Example (pre-filled with a sample household so you can see how it works), and Creator Edition (unlocked formulas if you want to modify the logic).

Works in Google Sheets and Excel. One-time purchase. Lifetime updates to the 2026 edition.

Questions? Email hello@boredtools.store